Show HN: Built a complete personal finance app with AI at 18

Take control of your finances with WealthAI - the intelligent personal finance tracker that helps you save more, spend smarter, and achieve your financial goals.

​

Bank-Level Security

Award Winning

1M+ Users

Ready to Transform Your Financial Future?

Join over 1 million users who have taken control of their finances with WealthAI

14-day money-back guarantee. No credit card required.

Last updated: April 2025

Introduction

Welcome to WealthAI. We are committed to protecting your privacy and ensuring the security of your personal financial information. This Privacy Policy explains how we collect, use, and protect your information when you use our personal finance management application. By using WealthAI, you consent to the practices described in this policy.

Information We Collect

Financial Data

WealthAI stores all your financial data locally on your device to ensure maximum privacy and security. This includes:

• Transaction details (amounts, dates, descriptions, categories)
• Income sources and amounts
• Expense categories and amounts
• Financial insights and analytics

Personal Information

We may collect limited personal information to enhance your user experience:

• Name (optional, used for personalization)
• Chat history with our AI financial assistant
• Preferences and settings
• Voice recordings during voice call sessions (processed locally, not stored)

Technical Information

We collect non-personal technical information to improve our service quality and performance:

• Device information (browser type, operating system)
• Usage statistics (feature usage, session duration)
• Error logs and performance data

How We Use Your Information

Core Functionality

Your information is used exclusively to provide you with comprehensive financial tracking and analytics features within the app:

• Processing and displaying your financial transactions
• Generating interactive charts, reports, and financial insights
• Providing personalized financial recommendations
• Enabling voice interaction with our AI assistant
• Supporting image analysis for financial documents

AI Assistant Features

Our AI financial assistant leverages your data to deliver personalized financial guidance:

• Text-based conversations for financial advice
• Voice interactions for hands-free financial management
• Image analysis of receipts, invoices, and bank statements
• Pattern recognition in spending and saving behaviors

Currency Converter

For users with Plus or Pro subscriptions, we provide enhanced functionality:

• Multi-currency support and real-time conversion
• Biometric authentication (processed locally)

Data Security

We implement industry-leading security measures to protect your financial data:

• All data is stored locally in your browser's secure storage with end-to-end encryption
• No financial data is transmitted to external servers
• Bank-level AES-256 encryption for sensitive information
• Regular security audits and continuous updates
• Secure payment processing through PCI-compliant Razorpay for subscriptions

Third-Party Services

WealthAI integrates with trusted third-party services to enhance functionality:

• Razorpay: For secure, PCI-compliant payment processing of subscriptions
• OpenRouter API: To power our AI financial assistant (queries are processed securely with encryption)
• Chart.js: For advanced data visualization and interactive charting
• Google Analytics: For anonymous usage analytics to improve our service

Your Rights and Choices

Data Control

You maintain complete ownership and control over your data:

• Export your data at any time using our built-in export feature (CSV/PDF)
• Permanently delete all your data with the reset function
• Opt-out of anonymous analytics collection
• Manage cookie preferences and privacy settings

Subscription Management

For paid subscribers, we offer flexible account management:

• Manage your subscription through your account settings
• Cancel anytime with no cancellation penalties
• Request refunds within our 14-day money-back guarantee period

Children's Privacy

WealthAI is designed for adult users and is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will promptly delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

Contact Us

Data Retention

Your financial data remains exclusively on your device until you choose to delete it. We do not retain any copies of your financial information on our servers. Upon account deletion or data reset, all personal information is permanently removed from your device.

International Data Transfers

While your financial data never leaves your device, some anonymized metadata may be processed by our cloud services. We ensure all data transfers comply with applicable international data protection laws, including GDPR and other regional privacy regulations.

Last updated: April 2025

Acceptance of Terms

By accessing or using WealthAI, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please discontinue use of our application immediately.

Use License

WealthAI grants you a limited, non-exclusive, non-transferable, revocable license to use the application for personal financial management purposes:

• For personal, non-commercial use only
• Subject to these Terms & Conditions and our Privacy Policy
• Without modification, reverse engineering, or decompilation
• Without distributing, sublicensing, or transferring to others
• Without using automated tools or bots to access the service

Account Registration

While WealthAI does not require mandatory account registration, certain premium features may require:

• Subscription to Plus or Pro plans
• Payment information for premium features
• Name for personalization (optional)

Subscription Plans

Starter Plan (Free)

• Basic transaction tracking (up to 50 transactions)
• Standard expense categories
• Basic dashboard and reporting
• Smart Analytics (Donut, bar, bubble, pie charts)
• Limited data export

Plus Plan

• Up to 500 transactions
• Advanced analytics and ChartBoard
• Personalized financial recommendations
• Custom categories
• Unlimited AI categorization
• Unlimited data export (CSV & PDF)
• Advanced PDF export with detailed tables & columns
• Budget planning tools

Pro Plan

• All Plus features
• Unlimited transactions
• AI financial assistant with advanced capabilities
• Voice call assistant with 3 premium male voice options
• Personalized wealth building advice from AI
• AI analysis of spending patterns & investment opportunities
• Image analysis for receipts and financial documents
• Global currency support (150+ currencies)
• Financial goal setting and tracking
• Tax preparation tools
• 24/7 priority support with 2-hour response time

Payment Terms

Important: All payments are processed securely through PCI-compliant Razorpay. WealthAI does not store or have access to your payment information.

• All prices are shown in Indian Rupees (INR)
• Monthly and annual subscription options available
• Annual plans include a 20% discount
• 14-day money-back guarantee on all subscriptions
• Subscriptions automatically renew until canceled
• You may cancel anytime through your account settings with no cancellation fees
• Prorated refunds for unused subscription periods

User Responsibilities

As a responsible user of WealthAI, you agree to:

• Provide accurate and truthful financial information
• Maintain the security of your device and data
• Not use the application for illegal, fraudulent, or unauthorized activities
• Not attempt to hack, compromise, or reverse engineer the application
• Not share your account credentials with others
• Not use automated tools or bots to access the service
• Comply with all applicable local, state, national, and international laws and regulations

Intellectual Property

WealthAI and all related content, features, functionality, logos, trademarks, and intellectual property are owned by WealthAI or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. Unauthorized use of our intellectual property is strictly prohibited.

AI Assistant Usage

Our AI financial assistant provides general financial guidance and educational information only:

• Recommendations are not personalized financial advice or investment advice
• We recommend consulting licensed financial advisors for complex financial decisions
• Voice interactions are processed securely and not stored on our servers
• Image analysis is for informational purposes only and should not be relied upon for financial decisions
• We are not liable for any financial decisions based on AI recommendations
• AI capabilities are continuously improving but may not be 100% accurate

Disclaimer

Disclaimer: WealthAI is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee the accuracy, reliability, or completeness of financial calculations, AI recommendations, or any other information provided. Your financial decisions are your sole responsibility, and you should verify all information independently.

Limitations of Liability

In no event shall WealthAI or its affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, or business opportunities
• Errors in financial calculations or AI recommendations
• Security breaches or data loss (as data is stored locally)
• Interruption of service or downtime
• Third-party services or content

Indemnification

You agree to indemnify, defend, and hold harmless WealthAI, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the application, violation of these terms, or violation of any rights of another party.

Termination

We may terminate or suspend your access to WealthAI immediately, without prior notice, for any reason, including but not limited to:

• Breach of these Terms & Conditions or Privacy Policy
• Illegal or fraudulent use of the application
• Security concerns or suspicious activities
• Non-payment of subscription fees
• At our sole discretion for business reasons

Governing Law

These terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Karnataka, India.

Dispute Resolution

Any disputes arising from these terms shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 of India. The arbitration shall be conducted in English in Bangalore, Karnataka, India. The decision of the arbitrator shall be final and binding.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of significant changes by updating the "Last updated" date and may provide additional notice via email or in-app notifications. Your continued use of the application after such changes constitutes acceptance of the modified terms.

Severability

If any provision of these terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the extent necessary to make it valid and enforceable.

Contact Information

Acknowledgment

By using WealthAI, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, you must immediately discontinue use of the application.